Terms of Service


Terms of Service – Policy Agreement

By requesting or participating in a group reading and / or individual reading and /or by submitting payment for any goods or services provided by Cate Coffelt of Cate Communicates®, you understand and agree that Cate is not nor claims to be a medical professional, veterinarian, licensed therapist, attorney, accountant or other licensed professional, and can not give medical, veterinarian, legal, or tax advice. Any information or advice given by Cate Communicates® is your personal responsibility and not to be used by you in place of any medical, veterinarian, legal, tax or financial advice or diagnosis, treatment or cure for any ailment or affliction, physical or psychological in nature.

Cate Communicates® will not be held liable for any damages resulting from the use of this website or as a result of any goods or services provided by Cate Communicates® or any persons, or events related thereto, and/or any actions or decisions that you may make as a result, including without limitation, actual, incidental and/or consequential damages resulting from any claims resulting from any act or omission, negligence, fraudulent misrepresentation or otherwise, including without limitation, personal injury, death, loss of income, stress (emotional or otherwise), errors or omissions, or otherwise. 

Cate Communicates® does not make representations or warranties, either express or implied, when conducting a reading. Readings are for entertainment purposes only and you must be at least 18 years of age or older. 

Connecting with Specific Spirits
Cate does not guarantee that she will connect with a specific spirit, whether human or animal. No refunds will be issued.

Lost Pet Readings
Cate Communicates® does not guarantee your lost pet will be found. No refunds will be issued.

Specific Answers
If Cate does receive specific answers for questions, she does not guarantee specific answers for those questions will “come true” due to free will. Cate believes in providing validations for the past and/or present and guidance for future oriented questions. While she relies on the information she receives from Spirit, Cate also believes that do to free will, the future is not set in stone.
Cate also does not provide diagnosis, treatment plans or specific outcomes for health related questions, whether for human or animal. No refunds will be issued.

Cate does not answer questions related to stocks or funds. No refunds will be issued.

Please treat your reading as sacred time and be in a private area like a room where there would be no interruptions. Do not plan on having to rush off somewhere immediately after your reading. Do not sit in your car, sit outside or be in an area where there is activity or noise. Cate may refuse service under these conditions as these conditions can negatively impact your experience. No refunds will be issued.

Video Conferencing Issues

You must have a working strong internet connection for Video Conferencing.  

Cate Communicates® is not responsible for connectivity issues. Some readings may need to be completed via phone due to technical issues. No rescheduling of readings allowed. No refunds will apply due to video conference technical difficulties.

Cate Communicates®  does not provide recordings of readings.
You are welcome to record your session if you would like for personal use. You do NOT have permission to share the recording with another person(s) or post the recording to any social media, internet or any platform of any kind. Cate Communicates® is not responsible for issues with recordings.

Refund and Rescheduling Policy – Terms of Service

Refunds:  Payments received are considered final and no refunds will be issued without appropriate notice. 
All refunds will be subject to a small processing fee that is passed on from the third party processing vendor (PayPal). NO exceptions! 

Rescheduling:  Please provide 48 hours notice for individual readings and 7 days notice for private group readings from your scheduled time in the event you need to reschedule your reading. I will do my best to reschedule your appointment at the earliest time available.

Cancellations: Please provide 48 hours notice for individual readings and 72 hours notice for private group readings from your scheduled time in the event you need to cancel your reading or group event.

A 50% Non Refundable fee will apply for private group events or circles.
A refund will be issued less a small processing fee if the appropriate cancellation notice was given within the specified time frame as noted above for individual readings only.   
Refunds will be immediate from PayPal’s end, but subject to your bank’s policies and terms of service. Please check with your back for their terms and conditions.

NOTE: A refund will NOT be issued for failure to provide a cancellation notice within the specified time frames as noted above. NO exceptions!

NOTE: A refund will NOT be issued if you fail to show for your appointment. NO Exceptions!

Gift Certificates:  Are non-refundable and have no cash value. Client acknowledges that the recipient of the purchased gift certificate will be at least 18 years of age or older.  Recipients have up to 6 months to redeem their gift certificate. 
Cate Communicates® will not be held liable for lost or misused or unused gift certificates. No refunds will be issued.

Packages: Are non-refundable and have no cash value. A partial or full refund minus processing fees may be considered if refund ad cancellation request is made within 72 hours prior to your first scheduled reading. Client may not transfer package to another person. It is the client’s responsibility to schedule and use all readings within 1 year of purchase. Cate Communicates® will not be held liable or obligated to provide service for unused readings.

Cate Communicates® reserves the right to reschedule your scheduled appointment time for any reason and at any time.
In the event that Cate Communicates® needs to reschedule your reading, she will reschedule your reading at the earliest time available.

If for any reason Cate Communicates® is unable to reschedule your reading and needs to cancel the appointment, she may issue a full or partial refund. Refunds will be immediate from PayPal’s end, but subject to your bank’s policies and terms of service.

Cate Communicates® has the right to refuse service to anyone and for any reason.

Additional Information
Pricing: Prices are subject to change without notice. But your rate will stay the same if you have already paid for and scheduled for a reading. 

Video / Audio Recording of Events or Classes
Events or classes by Cate Coffelt of Cate Communicates®  may be video taped or audio recorded. By purchasing a ticket or making a reservation, you agree to be video recorded during the event or class with Cate Coffelt of Cate Communicates®. This footage may be used by Cate Communicates® and included in future productions, events, and / or online communications.

By scheduling a reading and / or submitting payment for any products or services, you acknowledge that you are at least 18 years of age and have read, understand and agree to the terms of this agreement and all policies and procedures listed on this website.

Privacy Policy
This privacy policy discloses the privacy practices for Cate Communicates® .  This privacy policy applies solely to information collected by this web site. It will notify you of the following: 

  1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared. 
  2. What choices are available to you regarding the use of your data. 
  3. The security procedures in place to protect the misuse of your information. 
  4. How you can correct any inaccuracies in the information. 

Information Collection, Use, and Sharing 
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. 

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to fulfill an order. 

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, send newsletters or changes to this privacy policy. 

Your Access to and Control Over Information 
You may opt out of any future contacts from us at any time.

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. 

We do not collect sensitive information (such as credit card data), however, you are re-directed to a third party provider when making payment and that information is encrypted and transmitted in a secure way. We are not responsible for how these parties secure your personal information as we have no control or access to how they provide and ensure security for collected data. You should review the security policies of these third parties, e.g.: PayPal, Square, etc.

We also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

In order to schedule a reading, a user must register online through my online scheduling system. During registration a user is required to give certain information (such as name and email address). This information is used to contact you about the products/services on our site in which you have expressed interest. You will have an option to “opt out” at anytime.

We request information from you on our online scheduling system or email inquiry. To buy from us, you must provide contact information (like name and email address) Financial information (like credit card number, expiration date) is submitted through PayPal. This information is used for billing purposes and to fill your orders. If we have trouble processing an order, we’ll use this information to contact you.

We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

Some of our business partners may use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies.

We partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

This web site contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.

Surveys & Contests 
From time-to-time our site requests information via surveys or offers. Participation in these surveys or offers is completely voluntary and you may choose whether or not to participate and therefore disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as zip code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

Our Privacy Policy may change from time to time and all updates will be posted on this page. Please check back periodically to review possible changes.

Return To Home Page